The other driver is the responsible party and therefore his/her insurance should cover the claim. If he/she does not have insurance, he/she is still responsible to pay for your damages. Your insurance will cover if you purchased insurance to cover this type of property damage loss. You should pursue the other driver's insurance so that you don't have to pay any deductible on your policy.
The other driver is the responsible party and therefore his/her insurance should cover the claim. If he/she does not have insurance, he/she is still responsible to pay for your damages. Your insurance will cover if you purchased insurance to cover this type of property damage loss. You should pursue the other driver's insurance so that you don't have to pay any deductible on your policy.